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Commercial auto insurance

On-the-Road Security for Trucks and Drivers

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COMMERCIAL AUTO INSURANCE

CONNECT WITH THE TOP INSURANCE CARRIERS

As a licensed agency, SmartHop offers a selection of top-rated insurance carriers to choose from so you can rest easy knowing your trucking company will be covered for accidents, injuries, and more. Here is what is protected with commercial auto insurance:

As a licensed agency, SmartHop offers a selection of top-rated insurance carriers to choose from so you can rest easy knowing your trucking company will be covered for accidents, injuries, and more. Here is what is protected with commercial auto insurance:

  • Bodily injury
  • Property damage
  • Collisions
  • Towing and labor cost
  • Medical Expenses
  • Loading and unloading liabilities

Owner-Operators

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COMMERCIAL AUTO INSURANCE

BENEFITS OF COMMERCIAL AUTO INSURANCE

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  • Safeguard your business with a higher coverage limit than personal auto insurance.
  • Cover employees for accident-related injuries.
  • Ensure you are in compliance with responsibility laws.
  • Protect third parties if your trucks are rented or leased.

Small Carriers

Our freight dispatching tools include everything your small carrier company needs to operate efficiently. With features such as SmartPay, back-office automation, and leasing, you will be well-equipped to control and expand your business.

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commercial auto INSURANCE

FREQUENTLY ASKED QUESTIONS

What is not covered under commercial auto insurance?

  • Damage incurred while committing a crime, while moving company vehicles, or during war or civil disobedience.

  • Damage caused by employee relatives.

How is my commercial auto insurance premium calculated?

  • Insurers evaluate many factors when determining the cost of insurance, such as:

    • The type of business industry.

    • Employee driving records.

    • Items being transported.

    • Value and type of vehicle.

    • Type and amount of coverage.

  • Be sure to understand which regulations you must adhere to in your state.

What are typical coverage limits for owner operators?

  • Typical owner operator coverage limits are $750,000 and $1,000,000.

How is the value of my vehicle determined in the event of a claim?

  • The insurer calculates the value of the replacement cost of the vehicle minus the depreciation value.

  • Other factors used to calculate the value include the type of coverage and the blue book value of your vehicle.

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comprehensive coverage by smarthop

FULL COVERAGE OFFERINGS

Commercial Auto is not the only type of insurance you can find through SmartHop. Our insurance partners also offer coverage for:

  • Cargo and Inland Marine

  • Business Property

  • Workers Compensation

  • Hired and Non-Owned Auto

  • Bobtail

  • Trailer Interchange

  • Non-Trucking Liability

  • General Liability

Connect with a SmartHop agent today to learn how our owner operator insurance can protect you.

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